Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Review: Bank of America Credit Cards

bank_of_americaBelow is a rundown of credit cards currently available from Bank of America, with short reviews of each:

  • BankAmericard – Bank of America’s flagship credit card offers lower interest rates than its other cards (10.99% to 20.99% depending on your credit history), plus 0% interest rate teasers for 15 billing cycles on both purchases and balance transfers. (There is a 3% fee on balance transfers, however.) This card offers no rewards.

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Review: Capital One Credit Cards

cap1logoBelow we offer a rundown of credit cards currently available from Capital One, with short reviews of each. Click through on any link to apply via the card’s online application:

  • Capital One Platinum Prestige MasterCard – Capital One’s lowest interest credit card is meant for those with excellent credit. (If you have a not-so-great credit history, Capital One has cards geared to you, see the links below.) In addition to giving you a low interest rate if you meet their credit qualifications, it also gives you a 0% interest rate on purchases AND on any balances you transfer for the first 15 months or so that you have the card. Click through for further details and to see what Capital One considers “excellent credit.”

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Nordstrom Credit Card Payment, Login, and Customer Service Information

nordstrom-credit-cardNordstrom offers its branded credit cards through its very own Nordstrom Bank, which is the financial institution you will deal with when it comes to paying your credit card bill online or by mail, or to get customer service help. All the information you need to accomplish any of these tasks is below:

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WSJ: Citibank to Offer Free Credit Scores Starting in January

citi-logoThough Citibank has not officially announced the move, the Wall Street Journal‘s Annamaria Andriotis reported on Friday that Citi will begin to offer free credit scores to its credit card holders beginning in January.

Citi is the largest credit card issuer to embrace such a move, though not the first, as Capital One, Discover, Barclaycard, First National Bank of Omaha, and others are already giving customers some form of credit score report to help consumers understand the approximate number that companies are using to determine their creditworthiness.
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Review: Hobby Lobby Credit Card

hobby-lobby-credit-cardThe very popular hobby and crafts store Hobby Lobby offers a Visa credit card that you can use to earn rewards toward future Hobby Lobby purchases. Our overview / review of the card is below:

The Hobby Lobby credit card can be used at Hobby Lobby stores as well as anywhere else Visa cards are accepted. This is a plus, because many retail credit cards can only be used at the specific retail chain, while this card is accepted almost anywhere.
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BJ’s Credit Card Payment, Login, and Customer Service Information

bj-credit-cardNOTE: The BJ’s Wholesale credit card has changed to a new issuing partner, Comenity Bank, but if you still owe a balance it is likely that you owe payment to the card’s previous issuer, Barclays Bank, and you will go through Barclays to make payments online or by mail, or to reach customer service for help with your card. Check your card statement if you are unsure of which company issued your card.

See below to access all of the info you’ll need to pay or get assistance if your card is from Barclays:

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Review: Navy Federal Credit Union Credit Cards

nfcu-credit-cardAs the country’s largest credit union, Navy Federal Credit Union is a significant player in the financial industry, including the credit card industry. Below we offer short reviews of the 6 credit cards NFCU offers:

  • The Navy Federal Credit Union Cash Rewards Visa offers a straight 1.5% cash back on every purchase, which is a generous cash back percentage in today’s marketplace, comparing favorably to the best cash rebate cards available. If you have good credit, you can qualify for an interest rate on the card as low as 9.65%, though your rate may be higher (and NFCU doesn’t state anywhere online how high it could go).

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Cash Rebate Credit Cards

upromise-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
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Unsecured Credit Cards For Bad Credit

bad_creditIf you have bad credit and you’re looking for a credit card, it’s easy to get a secured credit card that charges an annual fee, but it’s more difficult to be accepted for an unsecured credit card with no fee. We’ve created a list of unsecured credit cards that you might apply for even with bad credit. There is no guarantee any of these will accept you, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.
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Review: Crate & Barrel Credit Card

crate-barrel-credit-cardCrate & Barrel offers a credit card that allows you to buy on credit and earn rewards at Crate & Barrel stores and online, plus at CB2 and The Land of Nod stores. Our overview / review of the card is below:

The first thing to know about the Crate & Barrel credit card is that it is only accepted at Crate & Barrel, CB2 and The Land of Nod stores. This limited acceptance is a strike against it. You should always think twice about opening a new credit line, because it can hurt your credit rating, especially if your credit history is shaky. Opening a new credit line for a card that can’t be used on a wide basis makes even less sense.
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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: Citibank Credit Cards

citi_logoBelow are short overviews / reviews of the most popular Citibank credit cards, also known as Citi credit cards or Citicards:

  • The Citi Diamond Preferred Card offers the lowest possible interest rate of any Citi card, at 11.99% (if you qualify, that is; note that you could be approved at a higher interest rate, as high as 21.99%). It also offers a 0% rate on purchases and balance transfers for 18 months, a very good deal. (Note that there’s a 3% fee on balance transfers.)

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